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Today’s Mortgage Rates & Analysis - Updated on 2026-SEP-22
Federal Funds Rate - Trends & Analysis:
Today’s Fed Funds Effective Rate is 4.00%. This is higher than the rate 7 days ago, which was 3.75%. When the Fed Funds rate rises, it can put upward pressure on mortgage rates, making borrowing costs higher for homebuyers.
Credit Union Loan Rates - Trends & Analysis:
Affinity shows a 15-year conventional fixed rate today at 5.875%, up 25 bp from last week and 38 bp from 30 days ago. Their 30-year conventional fixed is 6.5%, also up 25 bp from last week and 38 bp from 30 days ago. FHA fixed rates for 3-year, 5-year, and 7-year terms are 6.125%, 6.25%, and 6.5%, each rising 25 bp over the past week and 38 bp over the past month. Pacific Service offers a 15-year conventional fixed rate at 5.875% today, up 13 bp from last week and 38 bp from a month ago. Their 30-year conventional fixed rate is 6.625%, rising 25 bp over the past week and 38 bp over 30 days. The 30-year FHA fixed rate stays steady at 6.0%. Jumbo 30-year fixed loans are at 6.375%, up 25 bp from last week. The 5-year ARM is steady at 5.75%.
First Entertainment offers a 15-year conventional fixed rate today at 6.625%, up 25 bp from last week, and a 30-year conventional fixed at 7.0%, up 13 bp. Their 15-year conventional refinance is 6.5%, up 13 bp, while the 30-year conventional refinance stays at 6.875%. Jumbo 30-year fixed loans are at 7.0%, up 13 bp. Adjustable rates include a 3-year ARM at 6.375% and a 5-year ARM at 6.5%, both up 38 bp. The 7-year ARM remains steady at 5.875%, and the 10-year ARM is 6.875%, up 38 bp.
Navy Federal Credit Union offers a 15-year Conventional Fixed rate at 6.0% and a 30-year Conventional Fixed rate at 6.625% today. The VA 30-year Fixed rate is 6.25%, up 50 bp over the past 30 days. FHA loans include a 3-year ARM at 5.625% and a 5-year ARM at 5.875%, both up 25 bp from a week ago. Jumbo 30-year Fixed loans are at 6.875%, up 38 bp in the last week. Nuvision offers a 15-year Conventional Fixed at 6.0%, up 25 bp from last week and 63 bp over the past month. Their 30-year Conventional Fixed is steady at 6.625%, with a 30-day rise of 38 bp. FHA 30-year Fixed is 6.375%, up 13 bp from last week and 50 bp over 30 days. Jumbo 30-year Fixed stands at 6.375%, up 13 bp from last week and 25 bp over the month. Adjustable 5-year ARM is 5.25%, up 13 bp from last week. The 7-year ARM is 5.625%, up 13 bp from last week and month.
The Golden 1 offers a 15-year conventional fixed at 6.0% today, up 38 bp from last week, and a 30-year conventional fixed at 6.75%, also up 38 bp. Their 30-year conventional refinance is 7.0%, up 25 bp. FHA 30-year fixed is 6.49%, up 12 bp. Jumbo 30-year fixed is 6.375%. Adjustable-rate 5- and 7-year terms are both 5.75%, with the 5-year down 13 bp and the 7-year down 25 bp from last week. The 10-year adjustable is 6.0%, down 13 bp.
Patelco offers a 15-year conventional fixed rate at 6.5% and a 30-year conventional fixed rate at 7.0%, unchanged from a week ago. Their 15-year conventional refinance rate is 6.625%, up 25 bp from last week, while the 30-year conventional refinance rate is 7.0%, up 13 bp. Adjustable rates include a 5-year ARM at 5.75%, steady from last week, and a 10-year ARM at 6.125%, also unchanged. The jumbo 30-year fixed rate is 7.0%, steady from last week. Connexus offers a 15-year conventional fixed rate at 6.125%, unchanged from last week, and a 30-year conventional fixed at 6.875%, up 13 bp in the past week. Adjustable rates include a 3-year ARM at 4.99%, a 5-year ARM at 5.375%, and a 7-year ARM at 5.625%, all steady since last week.
Alliant offers a 15-year fixed conventional loan at 6.125% and a 30-year fixed conventional loan at 7.0% today. They also have adjustable-rate options for 5, 7, and 10 years fixed at 6.0%, 6.125%, and 6.375%, respectively. Rates have stayed steady over the past weeks. Citizens Equity First offers a 15-year conventional fixed at 6.5%, up 25 bp from last week, and a 30-year conventional fixed at 7.125%, also up 25 bp. Their adjustable-rate 5-year fixed stands at 6.0%, unchanged from a week ago. The 7-year and 10-year adjustable fixed rates are slightly higher at 6.125% and 6.25%, respectively, each up 13 bp over the past 30 days. Jumbo loans match the 30-year conventional fixed at 7.125%, up 25 bp from last week.
Market Indicators - Data & Insights:
Today, Zillow's 30-year mortgage rate is 7.125%, and Freddie Mac's 30-year rate is 6.950%, with Zillow higher than Freddie Mac. Zillow's 30-year rate is also higher than 7 days ago. These rates reflect current borrowing costs, which influence how many people can afford to buy homes and affect overall housing demand.